Home owners Insurance and the risk of flooding

Read our helpful weather risk information and make sure you have adequate homeowner insurance cover!. Get a cheap home insurance quote now! home owners insurance quotes

Bad Weather Costs!

Recent weather catastrophes in the UK have caused untold misery to thousands of home owners and cost the Insurance Industry billions of pounds. According to figures from the Association of British Insurers:

• Storms and floods in October and November 1998 cost £100 million.
• Flooding in central England during April 1998 cost £140 million,
• Freezing temperatures caused widespread burst pipes in Scotland and Northern England in December and January 1995/1996 cost £353 million,
• Storms and flooding throughout the UK In January and February 1990 cost £2.9 billion
• Hurricane-force winds caused extensive damage throughout southern England in October 1987 cost £1.7 billion.

What can home owners do to protect property?

If you haven't already done so find out from the Environment agency if you are one of the 5 million people living in 2 million homes potentially susceptible to flooding. The Environment Agency's web site offers advice on Flooding or call 0845 988 1188 for the national advice line (all calls are charged at a local rate and available in 8 languages). Get a cheap home insurance quote now! home owners insurance quotes

If you are buying a house research the local area and ascertain whether your home is at risk from flooding. Consider asking the previous occupants which home insurance company they used and contact the home insurer to gain a risk assessment. If this is not possible or you are purchasing a new home contact your own insurance company. Not only will you be able to ascertain the insurance companies view of the area in relation to flooding you will also find out the home insurance premium. Get a cheap home insurance quote now! home owners insurance quotes

Should freezing temperatures occur remember to check all pipes and tanks are fully lagged. If you are unsure, always seek advice from professionals. If you are away from home especially during the winter consider leaving the heating on to help prevent pipes and tanks freezing. If you are away for a prolonged period of time check your home owners insurance policy as some Home Insurance Companies will not cover homes that are unoccupied for more than one month. Remember, to ensure the property is in a reasonable state of repair as this will normally be a condition of your home owners insurance policy. To avoid damage from items which are not secured in the garden before a storm breaks, consider removing them to a garage or shed.

Is weather damage covered by Home owners Insurance?

Always read your home owners insurance policy and failing that check with your home insurance company. Most home owners insurance policies will cover damage caused by storms and flooding up the sum insured. However, remember to check any exclusions that apply and also the claims excess amount, as you will be expected to pay the first part of any claim. .

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